Fifth District Savings Bank: how it compares with its peers
Against 44 LA banks with half to twice its assets, Fifth District Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.8M vs. a $5.9M peer median). Its weakest relative measure is efficiency ratio (85.36% vs. 64.06%).
| Measure | Fifth District Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.33% | 1.44% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.89% | 4.34% | Bottom third Ahead of 9% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.36% | 64.06% | Bottom third Ahead of 5% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $5.9M | Top third Ahead of 84% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.82% | 81.31% | Context |
What it means for lending operations
Its efficiency ratio of 85.36% is above the 64.06% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Rayne State Bank & Trust Company Rayne, LA · $541M
- Merchants & Farmers Bank & Trust Company Leesville, LA · $541M
- Gulf Coast Bank Abbeville, LA · $514M
- Gibsland Bank & Trust Company Gibsland, LA · $574M
- Cottonport Bank Cottonport, LA · $582M
- Citizens Bank & Trust Company Plaquemine, LA · $481M
Questions about Fifth District Savings Bank
How big is Fifth District Savings Bank?
Fifth District Savings Bank, established in 1926, is headquartered in New Orleans, LA. It reported $532M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Fifth District Savings Bank's return on assets?
0.33% annualized in Q2 2026, against a 1.44% median for 44 LA banks with half to twice its assets, ahead of 7% of them.
What is Fifth District Savings Bank's efficiency ratio?
85.36% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 64.06%, and lower is better.
Is Fifth District Savings Bank growing its loans?
Net loans grew 3.6% over the year to Q2 2026, while deposits shrank 2.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are LA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Louisiana bank ranked.